The cost of living in Bulgaria is generally considered moderate when compared to other European countries. Essentials such as food, housing, and transportation are reasonably priced, making it an affordable destination for expatriates and retirees.

Bulgaria experiences a temperate climate with hot summers and cold, damp winters. The country has a mix of both Mediterranean and continental weather influences, leading to significant variation in climate across different regions. Mountainous areas tend to be cooler with more precipitation, while the plains and coastal regions see hotter summers and milder winters.

The educational system in Bulgaria is structured to provide a comprehensive and mandatory education for children starting at the age of 6 or 7. Education in Bulgaria is divided into several stages: preschool, primary, secondary, and higher education. Preschool education is optional and is for children between the ages of 3 and 6. Primary education is mandatory and lasts for four years, known as grades 1 through 4. After completing primary education, students move on to lower secondary education, which consists of grades 5 through 8. The next stage is upper secondary education, which includes grades 9 through 12 and is also mandatory. Students can choose between a general high school education or a vocational track, which provides training in specific trades. The school year in Bulgaria typically starts in September and ends in May or June, with students graduating from secondary education around the age of 18 or 19. The Bulgarian educational system is known for its strong emphasis on subjects such as mathematics, science, and languages. Schools in Bulgaria are generally well-regarded, with a number of them offering advanced programs and extracurricular activities. For families moving to Bulgaria, it's important to note that the state provides free education in public schools, but there are also private schools that may offer different curricula and have tuition fees.

The healthcare system in Bulgaria is a mix of public and private services. The public healthcare system is funded by the National Health Insurance Fund (NHIF), to which employers and employees contribute. It provides access to a range of medical services, including primary care, hospital treatment, and some dental services. However, the quality of public healthcare can vary, with urban areas typically offering better facilities and more specialists than rural regions. Private healthcare in Bulgaria is also available and is considered to have higher standards with more modern facilities and shorter waiting times, but it is more expensive. Expats and digital nomads can access public healthcare if they are registered with the NHIF, which requires a social security number and contributions to the system. This can be achieved through employment, self-employment, or voluntary contributions. Some expats may opt for private health insurance to cover private healthcare costs or to supplement the public healthcare system.